Your Dispute

Was Your Claim Determined to Be Below Your Deductible?

In many below-deductible claims, the insurance company acknowledges and pays for limited direct physical damage—such as a few damaged shingles, ridge-cap pieces, or sections of siding—but declines to include the surrounding roof or siding system, often citing wear, tear, deterioration, or age.

However, depending on the terms of your policy, repairing only the visibly damaged materials may not fully address the covered loss or restore the property with materials of like kind and quality. The carrier may have applied the wrong policy provision, underestimated the necessary scope of repairs, or failed to consider whether a reasonable and uniform repair can actually be completed.

We can review your policy, claim documents, carrier estimate, photographs, and coverage determination to evaluate whether you may be entitled to additional indemnification and identify the best path forward.

Was Your Insurance Claim Denied?

If your insurance company denied your claim using policy language you do not fully understand, you may still have options. Our team can review your claim documents, the carrier’s denial letter, and the applicable policy provisions to help you understand the basis for the decision.

We will explain our findings in plain language and determine whether there may be grounds to challenge the denial, request reconsideration, or pursue additional recovery. A denial does not always mean the claim is over. Let us help you understand your rights and identify the appropriate next steps.

Commercial or Residential

Complex condominium and commercial claims often involve damage to multiple units and several components of the building. During the initial inspection, the insurance carrier may overlook damaged items or may not fully assess the building envelope—including the roof, exterior walls, siding, windows, doors, and other shared structural components.

These claims can become especially complicated when responsibility must be divided between the condominium association and individual unit owners. Governing documents, property boundaries, and separate insurance policies may determine which party is responsible for each portion of the loss.

A detailed review can identify omitted damage, clarify the respective responsibilities of the association and unit owners, and provide the documentation and estimates needed to support a supplement. Professional coordination throughout this process helps present the complete loss to the carrier and supports proper indemnification under the applicable policy.